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Home My WebLink About97-07197 'lj "'~I 'I"~ i;~i !,!"f__:=- :j,'t ' :c;:a ,',"t , I' 'I': ", II '-1, I' I, "Ii " '1,;l)~~Jf} ! ) ) \ ~'l . 1 1/ JI/I I, . I " "/\ ~11.1 1J ~(f,~;i;:.'i -)".1\,_' I'/:,;'{<t ' d , Ji ;(' :1/ " ., I,) " ,I' " "1/ t' IJ I In" 1 ,I I ',I, 'I '. " II ,/ it " 'i " " , , ,I , ,i ,f " ,I )'/ , I, , q 'I,i , I,' " ,I II, " -.i "I Ii I , ,I (I leI, , . ,j' ,,' " I'" ,/ f I ,.;~ itil 1 '1, i1 , ' ;! , " 1 , j') " " f" ,(1 I \-f"1 " 'I' ,,' " ,( , " t ,,', 'I ,'i , ", , , " I, I, 1,/ ., 'f I! " "I " " " I, " 'I ,I , , " 'I 'I -,1"/ I: r', ',';1 , " ! " " .,1 " , I , , ", , 'I! I I , 1'-1 " .1 "\ I' , j't ',-I ,L I' " " " , " I ,-I "I /1 " , " , ,I " " , 1" / " " I , I, " " ,'I ! 'I ,. I,' " " " 'I" ,. 'I .i " " "', , ,I i, ,I " " IF, "'J " 'I, . , " , 'I " " ,,' " ,-'-I 'I , ' " I' ., ! " , , " 1'1 ' ',' , , " II'" , , " I " " ,I " J " , " I 'I "I / , ,). 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CIVIL ACTION - COMPLAINT IN MORTGAGE FORECLOSURE Mellon Bank, N,A., by its attorneys, Grenen & Birsic, P.C., files this Complaint in Mortgage Foreclosure as follows: 1. The Plaintiff is Mellon Bank, N,A., which has its principal place of business at One Mellon Bank Center, Pittsburgh, Pennsylvania 15219. 2. The Defendants are Ronald Turner and Craig Turner, Executors of the Estate of Kathryn E, zink, individuals whose last I known addLess is R.R. #1, Box 193, Elliotsburg, Pennsylvania 17024. J, On or about June 12, 1995, Kathryn E,zink executed a Mellon Secured Personal c;redit Line Agreement ("Agreement") with Plaintiff having a credit limit of $54,449.00. A true and correct copy of said Agreement is ,marked Exhibit "A", attached hereto and made a part hereof. 4. On or about June 12, 1995, as security for payment of the aforesaid Agreement, Kathryn E, Zink, made, executed and delivered to Plaintiff a Mortgage in the original principal amount of $54,449.00 on the premises hereinafter described, said Mortgage being recorded in the Office of the Recorder of Deeds of Cumberland County on June 15, 1995, in Mortgage Book volume 1267, Page 233. A true and correct copy of said Mortgage containing a description of the premises subject to said Mortgage is marked Exhibi~ "B", attached hereto and made a part hereof. s. On May 29, 1996, Kathryn E. Zink died, and was the record and real owner of the aforesaid mortgaged premises until her death and the premises is currently an asset of her Estate. 6. Defendants are in default under the terms of the aforesaid Mortgage and Agreement for, inter alia, failure to pay the monthly installments of prlncipal and .interest on said Note when due. The Agreement is due for the r, ~bruary 3, 1997 payment. 7. On or about October 29, 1997, Defendants were mailed Notices of Homeowner's Emergency Mortgage Assistance Act of 1983, in compliance with the Homeowner's Emergency Mortgage ASlolistance Act, Act 91 of 1983, True and correct copies of said Notices are marked Exhibit "C", attached hereto and made a part hereof. 10, On or about October 29, 1997, Defendants were mailed Notices of Intention to Foreclose Mortgage in compliance with Act 6 of 1974, 41 P.S. ~101, et seq, True and correct copies of said Notices are marked Exhibit "D", attached hereto and made a part hereof. 12. The amount due and owing Plaintiff is as follows: principal Interest to 12/1/97 ~ate Charges to 12/1/97 At torneys' fees Title Search, Foreclosure and Execution Costs TOTA~ $49,679.90 $ 4,738.10 $ 60.00 $ 900,00 $ 1.500,00 $56,878,00 " , ~ ~~llll"" ~. J.'I~ , I' ...'111111 1l~1II'. II. ". . ~ , .. tr. , ,,, - 1I..,ltl...I.. ... U"> i' lilt! f "'I Il""~ II.'" .' 1....,II,l ,t. ~ 1'111,111'.11. .'. ,I' 1'0 .' 1.,...,1"'" E "'" ",III' " I,~OAI. Dr.8CII\l'TIOIII AI.I, "IIAT C:I:W1AlII 1'~Qrr.IITV S1T\lATr.1l Itl 110110 or Io",ClVIIE III Tllr. C:Clllll-rY 01' C:\lMI,,:~'.11110, Mill "TAU or PEIIIIIVIoVNlIA AIID 111;1110 III:IIC:III11111 III A 111:1:11 IIATI:!I 1l7/0~1." AIIll 1I1:C:01I1'1:11 01/ "'1"", AHOIIII 1111: 1.111111 "1:c:01I111I or TIlE c:OUIITV AIID lI'fATI: Imr 1'\1\1'111 AIIIl'/I:. Mill ~1:ITIII'"r.I:1I All 1'01.1.01181 11OO~ .111 Mn Yo I". HL'Tr.1I AIIII 1I0UIIIIII III, l ,"", "11:11 I'~" \11" . 11'"''1''''''''1.11,,1'111111''' ... I' r.~ .,'0' !'" I&:! :~:)1 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE The Commonwealth of Pennsylvania's Homeowner's Emergency Mortgage Assistance Program may be able to help you. Read the attached notice to find out how the program works. If you need more information call the Pennsylvania Housing Finance Agency at 1(800)342-2397 LA NOTIFICACI0N EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVlENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDlATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU . HIPOTECA. will submit your completed application to the Pennsylvania Housing Finance Agency. . Your appllcl1tion must be filed or poSlmlllked, within thirty (30) days of your face.to. tace meeting. It It ntremely Important Ihat you me your application promptly. If you do nol do 10, or If you do not follflw Ihe olber time periods set fortb In Ihls letter, foreelolul'e may proceed against your home Immedlalely. A villi able funds for emergcncy mortgage IlSsislWlce IllC very limited. '!bey will be disbursed by the Agency under the eligibility criteria estnbllshed by the Act. It Is extremcly importnntthnt your nppllcntlon Is nccurnte nnd cumplete in every respect. The PelIDsylvnnlallouslng Flnunce Agency has sixty (60) days to make a decision ancr it receives your application, During that additional time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You wlll be notified directly by that Agency of Its decision 011 your application, 111e Pennsylvania Housing Finance Agency is located at2101 North Front Street, P,O. Box 8029, Harrisburg, PA 17105. Telephone No. (717) 780-3800 or 1.800-342.2397 (toll free number). Persons with impaired henrlng can call 1-800.342-2397. In addition, you may receive unother nOlicc from the lender under Act 6 of 1974. That notice is called a "Nolice of In lent ion to Foreclose", You must read both notices since they both explain rights that you now have under Pennsylvania law. However, if you choose to exercise your rights described in this notice, you cannot be foreclosed u on while you Ille receiving thatllSsistance. JFG/jw cc: Mark Halbraner, Esquire FIRST CLASS MAIL, POSTAGE PREPAID THIS IS AN A1iEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE The Commonwealth of Pennsylvania's Homeowner's Emergency Mortgage Assistance Program may be able to help you. Read the attached notice to find out how the program works. If you need more information call the Pennsylvania Housing Finance Agency at 1(800)342-2397 LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECT A SU DERECHO A CONTINUAR VIVIENDO'EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE EST A NOTIFlCACION OBTENGA UNA TRADUCCION INMEDlATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDlMIR SU HIPOTECA. GRENEN & BIRSIC, P.C. ...1'I'01U'IIYI...T .....W ONE 0... TEW'" Y CENTU NIN1!Wur I'ITT51IUROII, l'EIINSYLY.III'''' 1S211 (m) 111.761O PAX (411) m.m7 EM...IL ~"nblt""mdl "". October 29, 1997 ernlg Turner, Executor of the Es\llte of Kathryn E. Zink R.R.III, Box 193 ElIiotsburg. PA 17024 Re: Notice of Intention to Foreclose Mortgnge; Mellon Bank, N,A, Account No. 040704. 1I95; Note dated June 12, 1995; Kathryn E. Zink Dear Mr. Turner: The MORTGAGE held by tyfellon Bank. N.A. (hercinafter "the Lcnder") on your property locatedat40~ ~':~h~::~~~;;:;:h~c:":'lYIVRllla 1704~ IS IN SERIOUS DEFAULTbecausc you have no f $599.00 each for the months of Febnw:y 3. 1997 through October 3. 1997. Late charges have have nlso accrued to this date in the wnount of$&QO. The total amount required to cure this default as of the date of this lettcr is $5.451.00. ~~~;th~ ::~:~~:~~I:~~~ JoHlRTY (30) I?A YS of the date of this letter. by Pl\Y~ns to thc n ' . plus any addItional amounts which ml\Y fall due dunnll Jhis period. Such payment must be made either by cash, ca.,hier's check. certified check or money order, and made at Mellon Bank. N.A.. Consumer Adjustment Recovel:)' Division. Two Mellon Bank Center. Room AS-50. Pittsburgh. Penn!l)'lvania 15259: Attention: Scott Pidro. , If you do not cure the default within THIRTY (30) DAYS the Lender intends to exercise its nsht to a~"lemte the mortllage pl\Yments, subject to any additional rights you may have under the Homeowners' Emergency Mortgage Assistance Program. This means that whatever is owing on the originnl amount borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If full payment of the wnount in default Is not made within TffiRTY (30) DAYS, then, subject to any additional rights you may have under the Homeowners' Emergency Mortgage Assistance Progl'am, the Lender ml\Y also instruct its attorneys to start a lay/suit to foreclose your mortsalled property. If tl)e mQrtllalle is foreclosed. your ~ortllalled prQpet1Y will be sold by the Sheriff to PI\Y off the mortsalle debt. You will have the right to IISsert in any foreclosure proceeding the non-existence of a default or any other defense that you may have to ncceleratioll or foreclosure, If the Lender refers your case to its attorneys, but you r.ure the default before they begin legal proceedings, you will still have to pay the rellSonable attorney's fees,nctually incurTed, up to $50.00, ill order to cure the default. However, if legal proceedings are started, in order to cure the default you will have to pay the reasonable nttomey's fees, actually .' .'-. lncum:d, even if they are o~er $50.00, and you lIlny nlso be required IV pny the Lender's reasonable costs. If you CVle the default 'hl1bin the thlrty-dny period. you willllot be required to pay attorney's lW. If you hove not cured the d~fault within the Ihirty-day period and foreclosure proceedings hivc begWI, y~u~~i~ ~::e the right to cure the default nn~nUhe snlc at any time IIp to one hour before the She 0 losure sale. You ml\Y do so by Pl\Ylnlllhe 10181 Wl10unt of overdlle pl\ymenls plus nl\Y Inte or other chnIwes then due. IlS wellll.'l the lClISollllble nuomcys' fces and costs connected with the foreclosure~, and performing any other requirements under the mortgage. It Is estlmnted Ihnt the enrllest dnte that such a Sherill's sule could be hcld would be npproximutely Milrch. 1998. A notice of the dnlc of Ihe Sheritl's salc will be scnt to you before Ihc snle. Of course, Ihe umount nceded 10 curc (he defnult wllllncrcnsc the longcr you wuit. YOlllllny find out nlnllY time exnctly whntthe requircd paYlllent will be by calling the I.cndcr at the following number: Scott PidlO (!12.) 234-1689. This pnyment must be In cnsh, cll.'lhler's chcck, certified check or money order and must be made paynble to the Lender at the Lender's nddress s\llted above. You should renlize that a Sherlll's snle will end your ownership of the mortgaged property and your right to remain in it. Ifyo!J conlillue to live in the properly after Ihe She rill's sale, a lawsuit could be stnrted to evict you. You have additionn! rights to help protect your interesl in the property. YOU HAVE THE RIGHT TO SELL TilE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF TffiS DEBT. CONTACT THE LENDER TO DETERMINE WHETHER OR NOT A BUYER OF TRANSFEREE MAYBE ALLOWED TO ASSUME THE MORTGAGE DEBT. YOU HAVE THE RIGHT TO HAVE THIS DEF AUL T eURED BY ANY 'I1IIRD PARTY AeTlNG ON YOUR BEHALF. YOU MAY ALSO HAVE ADDITIONAL RIGHTS UNDER THE HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM IF YOU RECEIVE A SEPARATE NOTICE ABOUT THAT PROGRAM. If you cure the defBu~u will have the rillhtto PI\Y off the lonll in monthly installments II.'l jfno default had occurred. However, you are not entitled \0 this right to cure yc.ur default more than three times in any calendar year. Ve JFG/jw cc: Mark Hal braner, Esquire eERTIFIED MAIL, RETURN RECEIPT REQUESTED AND FIRST CLASS MAIL, POSTAGE PREP AID THIS IS AN AlTEMPT TO COLLECT A DEDT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE GllENEN & DIRSIC, P.C. ATfQlHIYS AT.....W I 1 I , , ONEOArEWAYCENT\!Il 1I1NE WIST I'ITTIBURlJt, rvNNIYLYANIA IS211 (411) 1II.76SO PAX(41]) 1I1.76~7 EM All .rtnbl~n~i.nll October 29, 1997 Ronald Turner, ExecUlor of the Estnlc of Kathryn E. Zlnk R,R, III, Box 193 El1iotsburg, P A 17024 Re: Notice oflnlentlon 10 Foreclose Mortgnge; Mellon Bank, N.A. Account No. 040704. 895; Note daled June 12, 1995; Kathryn E. Zlnk Dear Mr. Turner: The MORTGAGE held by Mellon Rank. N.A. (hereinnfter "the Lender") on your property located at ~06 He":~~::~~h1~moyne. PennsylvRllinl7043 IS IN SERIOUS DEFAUL.T because you have nQ1...mlld p~ments of 5599.00 each for the months of FebruBl:)' 3. 1997 throullh October 3.1997. Late charges have have n!so accrued to this date in the amount of $60.00. The total amount required to cure this dcfault as of the date of this letter is ~5,451.011. . ~~~::~ :=~;:~~~~~~~~h~~ ~~RT~~~~ I?~ YS of the date of ~ letter, by ~;:: to the I . .' Ius d\1I0nal amolmts which ml\Y fall dUG durin~ this period. Such payment must be made either by cash, cashier's check, certified check or money order, and made at ~~~I~~':::~~~':~h~;:um.er Adju~tment R~vel:)' DI~sion. Two Mellon Bank ~ Center. Room AB.5 anlo 15259: AttentIOn: Scott Pldro. I . : , If you do not cure the defnult within THIRTY (30) DAYS the Lender intends to exercise ila riiht to accelerate the mortllaie pl\Yments. subject to any additionn! rights you mllY have under the Homeowners' Emergency Mortgage Assistance Progi'am. 1bis means that whatever Is owing on the original amount borrowed will be considered due inunediately and you may lose the chance to pay off the original mortgage in monthly instnlhnents. If full payment of the amount in default is not made within THIRTY (30) DAYS, then, subject to any additional rights you may have under the Homeowners' Emergency Mortgage Assistance Program, the Lender ml\Y also instruct its attom~s ~ ~; : I;:;~t:[~:~~~~ ~;~ ~ort~aied proper\)'. If thl; mortlllllle is ~oreclosed. y.our o II die henff to payoff the mortvo\le debt. You wdl have the ngllt to assert in any foreclosure proceeding the non.existence of a default or any other defense that you may have to acceleration or foreclosure. If the Lender refers your case to its attomeys, but you cure the default before they begin legal proceedings, you will still have to pay the reasonable attorney's fees, actually incurred. up to $50.00, in order to cure the default. However, if legal proceedings are started, in order to cure the default you will have to pay the r~asonable attorney's fees, actually incurred. even Ifthey are over $50,00, and'you may III so be required 1.0 pay the Lender's reasonable costs, If YOlI cure the defllult within thc thh1Y.dl\Y period. you will not be reijulred to pay IIttomcy's em. If you hllve not cured the defllult within the thlrty-dllY period and foreclosure proceedings hllve begun, you still hllvl: the rlyht to cure the defoult IInd prcvellt thc slIle at nny time up to onc hour ~fore the Sherill's foreclosure SIlle. You may do so bY.1ll1ylnll the toml amount of ovcrdue pJ>>I/Ilcnts plus any late or other chnrlles then due. lIS well lIS the reasonllble otlorneys' fees and costs connectcd with the foreclosurc sllle, lIud perfomling MY olhcr requlremcllts uuder the mortgllge. It is estimllted that the enrliest date that such 11 Sherill's sale could be held would be IIpproxlmlltely Mllrch. 199.8. A notice ofthc dlltc oflhe Shcrill's Sllle will be scntto you bcforc thc sole. Of course, the IImount needed to curc thc defllult will incrcllsc the longer you wlllt. You mllY find out lit any time cXllctly whllt thc required pllyment will be by coiling the Lcndcr lit the following number: Scott Pidro 141.2.) 234.1689. This pllyment must be in cash, cashier's check, ccrtified check or money order and must be made pllyable to the Lender at the Lender's address stilted above. You should relllize thllt a Sl1erlll's sllle will cnd your owncrship of the mortgaged property and your right to remain in it. If you continue to live In the properly lifter the Sherill's sale, a IlIwsuit could be started to evict you. You have IIdditional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. CONTACT THE LENDER TO DETERMINE WHETHER OR NOT A BUYER OF TRANSFEREE MAYBE ALI.OWED TO ASSUME THE MORTGAGE DEBT. YOU I-IA VE THE RIGHT TO HAVE THlS DEF AUL T CURED BY ANY TIlIRD PARTY ACTING ON YOUR BEHALF. YOU MAY ALSO HAVE ADDITIONAL RIGHTS UNDER THE HOMEOWNERS' EMERGENeY MORTGAGE ASSISTANCE PROGRAM IF YOU RECEIVE A SEPARATE NOTICE ABOUT THAT PROGRAM. If you cure the defaulL you will hnve the rillhtto poy offlhe loan in monthly insmllmenls as jfno default had occurred. However, you are not entitled to thls right to cure your default more than three times in any calendnr year. JFG/jw cc: Mark Halbraner, Esquire CERTIFIED MAIL, RETURN RECEIPT REQUESTED AND FIRST CLASS MAIL, POSTAGE PREPAID THIS IS AN AfTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE SHERIFF'S RPTURN In the Court of Common Pleas of Perry County, Pennsylvania MeU()n Banll, N.A. vs Ronald Tumer NO. 97-7197 George W. Frownfelter, Sheriff, who being duly sworn according to law, says that he made a diligent search and Inquiry for the within named Defendant to wit: Ronald Turner, but was unable to locate Him In his balllwlck. Hp. therefore returns the Complaint In 'Mortgage Forecl08ure "NOT FOUND", as to the within named Defendant, Ronald Turner. Ronald lives In Camp Hill. ' ,Sworn and subscribed to before me this ~ day of :r.w...y I 1999. rJ;:~n~:TC~,b~,= ~ - ?E:eW.wwr . Sheriff of Perry County A'=~'~..~ "'. u--...-----l ' 1~()i'TI,\1. ~r;"L , ~!.r.r;/'~.',. 1\',"(1,/.)', t::'.:;;IrIPuhlle [I 'Co. 'r .! P, i'd, f":fI';' f..;iT.lI', 1',\ I'. '.' ,',.' r I" ""'''') , .. .,. , ,,; '''. . ' .,., 'I . ~ . ' , , r'""" '~~#1,~- .' jtI\' ~ ~t w."I lj I\\~ u'~ ~J- p~""~'~\.~ ~~\~ , IH 'I , ' " " " ji lei I ,\ \ , " , , ,'.\ . In The Court ofCOml11011 Pleus ofCumberlul1dC~un~', pennsyh'unln MELLON BA~K, N,A. . vs. RONALD TURNER AND CRAIG TURNER, EXECU1'ORS 01' 'rfIE EBTA'I'J;: Of' KATHRYN E. UNJ< R.R. 1, BOX 193, EI,LIOTTBBURG, PA 17024 No, 97~7197 crvu. 19_ Now, 1/5/98 PEPRY 19--, 1 SHERIFF OF CUMBERLAND COUNTY, P.-\ do bmbr depullzv the SberllT of Counl}' to necute this Wrll, this deputntlon beln~ mnde ollbe rEllnesl ood risk of the PlnlntllT. f!"V~--t:~~ SherllTofCumberlond Coun!)', Po. Affidavit of Service Now, whbln UpOD Dt . by bandlDa 10 allested copy oflhe orlalDal_ Ihe conlenlS thereof. o'~lock ~I. served tbe 19 , at o Irne nDd ond mode known ro 50 answers, ,..... Sherlfr of Coun~, PD. COSTS S\\orn on~ sub,.rlbe~ before me lhb (hy ur 19_ SERVICE S 1'oI1LEAGE__ AFfIDA VIT s .. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION MELLON BANK, N.A" Plaintiff, NO. I vs. RONALD TURNER and CRAIG TURNER, Executors of the Estate of Kathryn E, Zink, Defendants. NOTICE TO llEfEliO You h.we been sued in court. If you wish to defend against the claim set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU SHOULD NO'r HAVE A LAWYER OR CANNO'I' 1\FF9~P_ ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Court Adminietrator cumberland County courthouse Fourth Floor, Courthouse Square Carlisle, Pennsylvania 17013 (717) 240-6200 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUN'fY, PENNSYLVANIA CIVIL DIVISION MELLON BANK, N ,A. , plaintiff, NO. t vs. RONALD TURNER and CRAIG TURNER, ExeGutors of the Estate of Kathryn E. Zink, Defendants. CIVIL ACTION _ COMPI.AIl':lT IN MORTGAGE FORECI,OStJRE Mellon Bank, N.A., by its attorneys, Grenen & Birsic, P.C., files this Complaint in Mortgage Foreclosure as follows: 1. The plaintiff is Mellon Bank, N.A., which has its principal place of business at One Mellon Bank Center, pittsburgh, Pennsylvania 15219. 2. The Defendants are Ronald Turner and Craig Turner I Executors of the Estate of Kathryn E. zink; individuals whose last. known address is R.R. #1, Box 193, Elliotsburg, Pennsylvania 17024. 3. On or about June 12, 1995, Kathryn E.Zink executed a Mellon secured personal Credit Line Agreement ("Agreement") with Plaintiff having a credit limit of $54,449.00. A true and correct copy of said Agreement is marked Exhibit "A", attached hereto and made a part hereof. 4. On or about June 12, 1995, as security for payment of the aforesaid Agreement, Kathryn E. Zink, made, executed and delivered to plaintiff a Mortgage in the original principal amount of $54,449.00 on the premises hereinafter described, said Mortgage being recorded in the Office of the Recorder of Deeds of cumberland county on June lS, 1995, in Mortgage Book volume 1267, Page 233. A true and correct copy of said Mortgage containing a description of the premises subject to said Mortgage is marked Exhibit "B", attached hereto and made a part hereof. 5. On May 29, 1996, Kathryn E. ZJ.nk died, and was the record and real owner of the aforesaid mortgaged premises until her death and the premises is currently an asset of her Estate. 6. Defendants are in default, under the terms of the aforesaid Mortgage and Agreement for, inter alia, failure to pay the monthly installments of principal and interest on said Note when due. The Agreement is due for the February 3, 1997 payment. 7. On or about October 29, 1997, Defendants were mailed Notices of Homeowner's Emergency Mortgage Assistance Act of 1983, i.n compliance with the Homeowner's Emergency Mortgage Assistance Act, Act 91 of 1983. True and correct copies of said Notices are marked Exhibit "C", attached hereto and made a part hereof. 10. On or about October 29, 1997, Defendants were mailed Notices of Intention to Foreclosa Mortgage in compliance with Act 6 of 1974, 41 P.S. S101, et seq. True and correct copies of said Notices are marked Exhibit "0", attached hereto and made a part hereof. 12. The amount due and owing Plaintiff is as follows: Principal Interest to 12/1/97 Late Charges to 12/1/97 Attorneys' fees Title Search, Foreclosure and Execution Costs TOTAL $49,679.90 $ 4,738.10 $ 60.00 $ 900.00 $ 1.500.00 $56,878.00 . .. 1",\"11I)'11 t. 11111" I.'...."J", II:.. 1"'1'. - .r '" . <- , 'J: - .... '" ': ." ::I ro B " I, t11t1111l1 11"11'. II, A. M. .........' "'. : ! . ,'I IIA~j~ ~I." '.", to' ." '11:.111' 11.1'10. .1' I,[OAI, DUC~\I'TIONI M.I. "lI11T Cr.~TAIII 1'~OrERTY IITU"Tr.1I III IIORO or LDlOYIlE IH TIIY. ('OIIlIU 01 CIIHI":~I./IIIO, "110 "T"Tr. or PEHNlYI,VNlIA "~D 111:1110 III:IIC~II'III III " 111:1:11 IIl1Tt:II 0110~/1" "HD ~1:Co~llI\I 0'/10'''''' ""OliO Till: 1./1111I ,,1:CORon or 1111 COUllTY "NO II'rM't: "':1' 1'1111'111 MIIl./t:, Mill ~t:ITRIIlr.nl A" 1'01,1.01111 IIOOK .11 I l'AllY. I". "["TEll "Nil 1I0UII"~ 1110'...'.,1..,..... 11""111' 11'''''11'''''''''1'''''1.11''''1 r,'," I':r.i II:! :!:}1 , I . , I I, I . , I I, "'. I, " .\ Exhibit "e" , . " " " " ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE The Commonwealth of Pennsylvania's Homeowner's Emergency Mortgage Assistance Program may be able to help you. Read the attached notice to find out how the program works. If you need more information call the Pennsylvania Housing Finance Agency at 1(800)342-2397 LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECllO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFlCACION QBrENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO .ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDlDA DEL DERECHO A REDIMIR SU HlPOTECA, ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FRO'M FORECLOSURE The Commonwealth of Pennsylvania's Homeowner's Emergency Mortgage Assistance Program may be able to help you. Read the attached notice to find out how the program works. If you need more infonnation call the Pennsylvania Housing Finance Agency at 1(800)342-2397 LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORT ANCIA, PUES AFECT A SU DERECHO A CONTINUAR VlVlENDO'EN SU CASA. SI NO . . _ _ _ _ COMPRENDE EL CONTENIDO DE ESTA NOTIFlCACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CAS A DE LA PERDIDA DEL DERECHO A REDlMIR SU HIPOTECA. ".'" " ':'\- \ . , '"" ., " .. .' '.. " , '. . " ,. .~ , ',-- , -. "M.N 'ron" G~,~~1I1 el~SIC, P.c. FimaU~OH. PA \&212 ","tol -..... f \ GRENEN & DlRlllC, P.C. ...TTOlU'lly....T LAW ONll OAnw...y CIll'ITD ""IIIWur I'IlTDUROH,I'DINSYLY...N1A 15211 (412)1II.7~ PAX (412)111,76$7 EMML lJ.nblnlltmdl.... October 29, 1997 eralg Turner, Executor of (he Estate of Kathryn E. Zink R.R.I#I, Box 193 EllIotsburg, P A 17024 Re: Notice oflntentlon to Foreclose Mortgage; Mellon Bank, N.A. Account No. 040704- 1I95; Note dated June 12, 1995; Kathryn E. Zlnk Dear Mr. Turner: The MORTGAGE held by Mellon Bank. N.A. (hereinafter "the Lender") on your property located lit 406 Herman Avenue. Lemoyne. Pen~lvanil/J1Q43 IS IN SERIOUS DEFAULT because you have no~ ;,;;i;th~ ~onth\y pl\Yments of $599 .00 each for the months of Pebnwy 3. 1997 tltroullh October 3. 1997. Lnte charges have have nlso accrued to this date in the amount of $~. 'The total amount required to cure this default lIS of the date of this letter is $5.451.00. . ;~~;th~ cure tills default within THIRTY (0) DAYS of the date.qfthis letter. by Pl\,Vina to the I n ;b;;~e amount of$5.451.oo. plu.s any additional amonnts which ml\Y fall due d\llioa Jliis period. Such payment must be made elthcr by cash, cashier's check, certified check or money order, and made at Mellon Bank. N.A.. Con.'lI1I1Ier Adju.omnent RH'''v~ Division. Two Mellon Bank Center. Room AB-SO. Plttsbllljh. PenllllYlvania 15259: Attention: Scott Pldro. , .' If you do not cure thc default within THIRTY (30) DAYS the Lender intends to exercise its I right to aCl'"lerate the mortaBlle pl\,Vments, subject to any additional rights you may have under the Homeowners' Emergency Mortglli<J Assistancc Program. This means that whatever Is owins on the original amount borrowed will be considered due immediately I!I1d you may lose the chance to pay oft'the original mortgage in monthly installments. If full payment of the amount in default I~ DOt made within TmRTY (30) DAYS, then, subject to any additional rights you may have under the Homeowners' Emergency Mortgage Assistance Prog1wn, the Lender IDI\Y also instruct its attorri~iJ . to start a lawsuit to foreclose your mortllajed propet1Y. If the mortvallc Is foreclosed. your ;;;o~iaa~ property will be 8014 by the Sheriff to Pl\Y off the mortllBllc debt. You will have the right to assert in any foreclosure proceeding the non-existence of a default or any other defense that you may have to acceleration or foreclosure. If the Lender refers your case to its attorneys, but you cure . the default before they begin legal proceedings, you will stlll have to pay the reasonable attorney's fees, actually incurred, up to $50,00, in order to curc the default However, if legal proceedings arc started, in order to cure the default you will have to pay the reasonable attorney's fees, actually , '- Incurred, even if they are 6~cr $50.00, and you may also be required to pay the Lender's ~asonable costs. If you cure the defaljlt....lthln the thll\Y-dl\Y period. you will not be reqllt~d to pay attorney's ~. If you have not cured the default within the thlrty-day period and foreclosure proceedtnaa have begun, Y\lU_~t\l! hnve the riaht to cure the default an..! prevent tho we at IIII)' time up to one hour before the Sheril!'~ ro~losure s8ie.. You may do 50 by PIIy11li the tolal nmount of overdue PllYmenta plus any late or other chari~ \!1~!:IJ!!!!U!1! ;ell as the reasonable oltomeys' fees and costa connected with the foreclosure sale, and performing any other requirements under the mortgage. It is estimated thaI the elU'lIest dllte that such a Sherirrs slIle could be held would be IIpproxlmlltely March. 1998. A noltcc of the dllte of the Sherirrs slllc ....ill be senllo yuu before the sllle. Of course, the IIlnount necded to cure the dcfault willlncrcasc the 10llger you Will<. You mllY find out lit any time eXllctly what the required payment will be by calling the Lender lit the followillg number: Scott Pidro (412) 234-1689. This pllYlllent must be In cash, casluer's check. certified check or money order and must be made payable to the Lender at the Lender's address stated above. You should realize that 1\ Sherirrs sale will end your ownership of the mortgaged property and your right to remnln in it If you continue to live in the property after the Sherifl's we, a lawsuit could be started to evict you. You have additional rights to help protect your intereslln the property. YOU HA VB THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAYOFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF TmS DEBT. CONTACT THE LENDER TO DETERMINE WHETHER OR NOT A BUYER OF TRANSFEREE MAYBE ALLOWED TO ASSUME THE MORTGAGE DEBT. YOU ItA VE THE RIGHT TO HAVE nus DEF AUL T CURED BY ANY nuRD PARTY AeTlNG ON YOUR BEHALF. YOU MAY ALSO ItA VE ADDITIONAL RIGHTS UNDER nm HOMEOWNERS' EMERGENey MORTGAGE ASSISTANeE PROGRAM IF YOU RECEIVE A SEPARATE NOTleE ABOUT THAT PROGRAM. If you cure the default you will have the rillht to pav off the loan in monthly installments as if no default had occurred. However, you are not entitled to this right to cure your default more than tIuu times in any calendar year. , Ve JFO~w cc: Mark Halbraner, Esquire eERTlFIED MAIL, RETURN RECEIPT REQUESTED AND FIRST CLASS MAIL, POSTAGE PREP AID THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE GRENEN & BlRSlC, P.C. ...1TOaNIV....T .....W ONlO...nw...VClNTU NlNI war l'ImIU'IOll,PIlIINmVAlIlA um (412) 1II.76lO PAX (412)111.76'1 EMAIl. ".nblnollmdl.ntl October 29, 1997 Ronald Turner, Executor of (he Eslllte of Kathryn E. ZInk R,R. #1, Box 193 ElliolSburg, PA 17024 Re: Notice oflntentiollto Foreclose Mortgage, Mellon Bank, N.A. Account No. 040704- 895; Note dated June 12, 1995; Kathryn E. Zink Dear Mr. Turner: The MORTGAGE held by Mellon Bank. N.A. (hereinllfter "the Lender") on your pl'Operty located at ~ Hennan AVenue. Lemoyne. PenIl!\Ylvania 17~ IS IN SERIOUS DEFAULT because you have not ~~d~ the monthly pl\Yments of $599.00 each for the months of FebruBl:)' 3. 1997 1hmullh October 3. 1997. Late charges have have also accrued to this dale in the amount of $~. The total amount required to cure this default as of the date of this lelter is $5.451.00. . :~~~a::~ this default witllinJlflRTY (30) DAYS of the date of this letter. by payina toJbe I n e amount ofS5.451.00. plus BIlY additional amounts which rIII\Y fall due durinll this period. Such payment must be made either by cash, cashier's check, certified check or money order, and made at Mellon Bank. N.A.. Consumer AdilL'lIment Recovel:)' Division. Two Mellon RAnk ~ Center. Room AB-50. Pittsburvh. Penn!l)'lvanla 15259: Attention: Scott Pldro. If you do not cure the default within THIRTY (30) DAYS the Lender intends to exercise its r1aht to BCl'"lerale the mortllalle Pl\Yruentll, subject to any additionn! rights you may have under the Homeowners' Emergency Mortgage Assistance Program. lbIs means that whatever Is owing on the original amoWlt borrowed will be considered due immediately and you may lose the chance to pay off the original mortgage in monthly installments. If fWI payment of the amount in default is not made within THIRTY (30) DAYS, then, subject to any additional righlB you may have under the Homeowners' Emergency Mortgage Assistance Progrwn, the Lender ml\Y also instruct its attorn~s to start a lawsuit to foreclose your mortgalled propet1Y. If the mortgalle is foreclosed. your mortvalled property will be sold by the Sheriff to pay off the morlllllie debt. You will have the right to assert in any foreclosure proceeding the non.existence of a defllult or any other defense that you may have to acceleration or foreclosure. If the Lender refers your case to it! attorneys, but you cure the default before they begin legal proceedings, you will still have to pay the reasonable attomey's fees, actually incurred. up to $50,00, in order to cure the default. However, if legal proceedings are started. in order to cure the default you will have to pay the reasonable attorney's fees, actually Incurred, even If they are over $50.00. and you may also be required to pay the Lender's rc:a.sonablc costs. ltyou cure t~e default within the thlrty-dl\Y period. you will nol he reqlllred to pl\Y IIttomc:y's 1'=, If you have not cured the default within the thlrty-day period and foreclosure procc:c:dinSI have begun, you stili have the. right \0 cure the d~foult and p,reventthe Il8le otlll\Y time up \0 one hour ~~~~~~~:~~~~~~~;~=~d:~Wn;;::q~:~:'~:~:~:'o;:~ ~~v:~~e ~!n':: will> the foreclosure sale, and performing any other requirements under the mortgage. It Is estimated that the earliest dllte thllt such a Sheriffs sllle could be hcld would be approxlmlltely March. 1998. A notice of lhc datc Qf the Sheriffs salc will be selllto you beforc thc sale. Of course. the amount needed to cure the defuult will incrcase the longer you wlllt. You may Ond out at any time exactly whllt the required pllyment will be by calling the Lender lit the following nwnber: Scott Pidro (412) ~34-1682. ThIs payment mUBt be in cash, cashier's check, certified check or money order and mUBt be made payable to the Lender at the Lender's address stated above. Y 0\1 should realize that a Sheriffs sale wlI1 end your ownership of the mortgaged property and your right to remain in It. If you continue to live in the property after the Sheriffs sale. a lawsuit could be started to evict you. You have additional rights to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAYOFF THIS DEBT. CONTACT THE LENDER TO DETERMINE WHETIlER OR NOT A BUYER OF TRANSFEREE MAY BE ALLOWED TO ASSUME THE MORTGAGE DEBT. YOU HA VB TIlE RIGHT TO HAVBTIUS DEFAULT CURED BY ANY TIURD PARTY ACTlNOON YOUR BEHALF. YOU MAY ALSO HAVE ADDlTIONAL RIGHTS UNDER THE HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROORAM IF YOU RECEIVE A SEPARATE NOTICE ABOUT THAT PROGRAM. If you cure the default. you will have the rivht to paY off the loan in monthly inNtallments as if no default had occurred. However. you are not entitled to this right to cure your default more than three times In any calendar year. JFGljw .......- -- cc: Mark Halbraner, Esquire CERTIFIED MAIL. RETURN ,REeElPT REQUESTED AND FIRST CLASS MAIL, POSTAGE PREPAID THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WlLL BE USED FOR THAT PURPOSE >I VERIFICATION Scott Pidro, Senior Foreclosure Specialist, and duly authorized representative of Mellon Bank, N.A" deposes and says subject to the penalties of l8'pa. C.S.A. 54904 relating to unsworn faJ.sification to authorities that the facts set fOX'th in the foregoing Complaint in MoX'tgage Foreclosure are true and 'correct to his information and belief. 5~~,\ Scott Pidro Senior Foreclosure Specialist Mellon Bank, N.A. , . t.. ... 1." .{ 96 JAII..6 PH 12t 0' , SllF.,RIFF'S OFFICE PERRY COUHTY . QlfI'n<:! 1.1" r,'.'" _~.Ir: :,:H5' r>l:il ;1 JMt Z 'B 34, M \ ~u. t'!tJ. 'I' l' Il',' ,I,q 11/ .1 ~ \ 1\' " if j,' " ',I .' , I,/i"'. i'/',I', 1'1 n i": :;; ';.. j ,~ r I !"!J 1'1",' I ij' il ';,; I. I (II', 'I.'.'d. '.' .... j :_t ~'...': ; " I' . lUhtii ," /, ,,1\1 I I,,:. I.....~ I, Tl,., ..----! , ,1,..1._1 ", ; i ~ I.;., '.. , . '. I. t. "I I,;' 1,li, ,J"] !" .. . '" i. '.I: t ;_ i,. ::: I j '~I .\ . , "I'. ." , 1. '.Jj' II "I \. IIII .,t, I,. 're- O p__' fl>2 ,--- " i,I II :,J I j. " i ~ .' ! i \ !I. i,l> " " I " !, ,. ';l.I,,, " , - '. 'M."-....k .~- af~l~ IAJ(*/' i'I.11 .,1,:,1 I. /',..!I, 'I,! Iii.. il ! JI": 'IL. , 1 Ii i',. - .,J ... " j,' Iljj ;' Ii' .. ':"1 jj' , , " I" 'J; '" !" i1 Jl:!' i '. " I it., \.i'"ll.lllj ., ',IJ i.11111 '.ii' , \ )1' 'd I' , "II. \-, 1" III :...1. I " , , , II!I ., til " .1, , , , i r". _ -- ~~~ - ;. 'j' eil: I ,''Ii':] I , ! ,_.1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION MELLON BANK, N,A., plaintiff, NO. I VB. RONALD TURNER and CRAIG TURNER, Executors of the Estate of Kathryn. E, Zink, Defendants. ~OTICE TO DEFEND You have been sued in court. If you wish to defend against the claim set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served,. by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff, You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU SHOULD NOT HAVE A LAWYER OR CANNo:I'. ~ff9BP_ 9tm, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Court Administrator Cumberland County Courthouse Fourth Floor, Courthouse Square Carlisle, Pennsylvania 17013 (717) 240-6200 , , l"d IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION MELLON BANK, N. A. , Plaintiff , NO, I VS, RONALD TURNER and CRAIG TURNER, Executors of the Estate of Kathryn E. Zink, Defendants. CIVIL ACTION - COMPT.,AINT IN MORTGl\GE FORECLOSURE Mellon Bank, N.A., by its attorneys, Grenen & Birsic, P.C., "f iles this Complaint in Mortgage Foreclosure as follows: 1. The plaintiff is Mellon Bank, N .A., which has its principal place of business at One Mellon Bank Center, Pittsburgh, Pennsylvania 15219. 2. The Defendants are Ronald Turner and Craig Turner, Executors of the Estate of Kathryn E. Zink, individuals whose last known address is R.R. 111, Box 193, Elliotsburg, PElnnsylvania 17024. 3. On or about June 12, 1995, Kathryn E,Zink executed a Mellon Secured Personal Credit Line Agreement ("Agreement") with plaintiff having a credit limit of $54,449.00, A true and correct copy of ealdAgreement is marked-EXhibit "A", attached hereto and made a part hereof. 4. On or about June 12, 1995, as security for payment of the a foresaid Agreement, Kathryn E. Zink, made, executed and delivered to Plaintiff a Mortgage in the original principal amount of $54,449.00 on the premises hereinafter described, said Mortgage being recorded in the Office of the Recorder of Deeds of Cunwerland County on June 15, 1995, in Mortgage Book Volume 1267, Page 233. A true and correct copy of said Mortgage containing a description of the premises subject to said Mortgage is marked Exhibit "B", attached hereto and made a part hereof. 5. On May 29, 1996, Kathryn E, Zink died, and was the record and real owner of the aforesaid mortgaged premises until her death and the premises is currently an asset of her Estate. 6. Defendants are in default under the terms of the aforesaid Mortgage and Agreement for, inter alia, failure to pay the monthly installments of principal and interest on said Note when due. The Agreement is due for the February 3, 1997 payment. 7. On or about October 29, 1997, Defendants were mailed Notices of Homeowner's Emergency Mortgage Assistance Act of 1983, in compliance with the Homeowner's Emergency Mortgage Assistance Act, Act 91 of 1983. True and correct copies of said Notices are marked Exhibit "CO, attached hereto and made a part hereof. 10. On or about October 29, 1997, Defendants were mailed Notices of Intention to Foreclose Mortgage in compliance with Act 6 of 1974, 41 P.S. S101, et seq. True and co.rect copies of said Notices are marked Exhibit "0", attached hereto and made a part hereof. 12. The amount due and owing plaintiff is as follows: principal Interest to 12/1/97 Late Charges to 12/1/97 Attorneys' fees Title Search, Foreclosure and Execution Costs TOTAL $49,679.90 $ 4,738.10 $ 60.00 $ 900.00 $ 1.500.00. $56,878.00 .. ~~tlIl4~1I t. 1I"~ " tt~I,I,lIl1 I\AIIII. N. ~. -- ~ - .;. "" . .. 1:: " '" ,..' - .... or, ,. .' ~ ,.. .' 1) - - .. .....00+.' ...t:: ..'1 "All' tI.t. . ,01. II" .4' I': II-,It'''' .11. l'~ . ... L'....U:.t -:"'" ..... 1.1"..... OlltMII'TIOIII ~\'I. "I~T tr,MT~I" 1'~ort~TY '1T\J~Tr.n III 1lO~0 or \,DIOVllt III TlIF. toUI1'r1 01' C'I,III.I:MIAIIP. AIIP 1lT~1l or 'ENII'1\,VNlI~ NlO \It:11lG 1l1~1c:"\I'''1 III ~ \lUll Il~TtIl 07/0'/'" NlO IIf.tOlllll'.11 Ol/Ill/.'" ....IOIIG till: IAIIIl 1I1',tOIlPft or TIlt to\1llT1 NlO IIT~TI: 111:1' 1,,,...'11 ....Ml'Il:. Mill M,:rrlll'lItI:P ~. FOLLOW" 1\00II J,II l't.Or. II, lint" Nlll 1101111111 IU.'....lo ,...J'" \I ....'.......,.,.......111.... ... l' r,- t:O- ~ ", 11:1 :~:\1 r....,':'i . (.,J ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE The Commonwealth of Pennsylvania's Homeowner's Emergency Mortgage Assistance Program ,I may be able to help you. Read the attached notir,e to find out how the program works. If you n~ed more information call the Pennsylvania Housing Finance Agency at 1(800)342-1397 LA NOTmCACION EN ADJUN'fO ES DE SUMA IMPORTANCIA. PUES AFECfA SU DERECHO A CONTINUAR VMENDO EN SU CAS.\. SI NO COMPRENDE ELCONTENIDODE ESTANoomCAClONQ~GA UNA . _. _ -TRi\DUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGmLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. I ' ~ ~ ,,I Mellon Bank, N,A. Consumer Adjustmcnl Recovcry DivisIon Room AD.50 Plttsburah, PA 15259 Attention: Scott Pldro Telephone Number: (412) 234.1689 The nal1l~s and uddr~sscs of the designated consumer credit counscling agencies are: FINANCIAL SERVICES UNLIMiTED 117 West 2rd Sucet Waynesboro, PA 17268 (717)762.)285 URBAN LEAGUE OF METROPOLITAN HARRJSBURO 25 Nolth Pront Sucet Harrlsbura, PA 17101 (717) 234-5925 Fax (717) 232-'4985 YWCA OF CARLISLE 30 I G Street Carlisle, PA 17013 (717) 243-3818 Fax (7 17) 243-3948 CONSUMER CREDIT eOUNSELINO SERVICE OF WESTERN PENNSYL V ANIA.INC. 2000 Linalcstown Road Harrlsbura, P A 17102 (717) 41-1757 It Is only nec:W.~ to scbcdulc ODe tice-to-fllCO medina- You abould edvbe !be lcoder Im.......l~ of your Intentions. Your mor\i8&e is in serioIII default because you havo failed to pay promptly \nstaIImenta of principal and interest, u required, for . period of at least sixty (60) daya. Tho totallDlOUDl of tile deUnqueocy Is $5.451.00. 1bat sum includes !be foUowina: monthly paymeolS of $599.00 eecb for tho,months ofPebnwy 3. 19971hrou&b October 3.1997. plUlIW:UIIed late cbaraa in tile ImouaI . . . 'ofS60.00: Tho Interest per.d!~ !a.$.l~~)~__ If you have tried and are unable to resolve this problem at or after your face-to-face meetina, you have the right to apply for financial assistance from the Homeowners' Bmeracncy MOJ1&Iao Assistance Fund. In order to do this, you must fill out, sign and ftlo . completed Homeownen' Emeraency Assistance Application wilh one oflhe desipwd consumer credit counseUoa aacocies listed above. An application for assistance may only be obla1ned from a consumer credll counsellna agency. Tho conswner credit counseling agency wiUassillt you in fiUlna oul your application and . will submit your corn~b,ed appllcadonto thc PeMSylvanla h ,Jllna Finance Asency. Your appllclitlon must be med or postmllked, w1thhl thirty (30) days of your face.to.face meetlna, It II ntremel1lmportaat tblt )'olllUl )'our IppUClttOD promptl1, II YOll do Dot do 10, or II )'ou do Dot follow tbe otbll' tllDeplrlodl .Illortb 1D Ibis lllter, fondolur. ma)' procee41 Icalalt your bom.lmmedlat.l)'. Available funds for emeraenc)' mortiRgc assistance are very Ilmltcd. The)' will be disbursed by the Agency under the ellglb\llty criteria estRbllshed by the Act, It is eXlremel)' Importanl thlll your application Is acCll/'3le and complete In every respect. The Pennsylvania Housing Fin~ce Agency hIlS sixty (60) dll)'s to make a decision lifter It receives )'OUr application. During that additional lime, no foreclosure proceedings will be pursued against you if you have met the time requirements set fOlth abov~. You will be notified directly by that Allene)' . of Its declllon on your application. The pennsylvania Houslna Flnanc:o ASency Is located al2101 North Fronl Street, P.O. Box S029, Harrisbura, P A 17105. Telephone No. (717) 780-3800 or 1-800-342-2397 (toU fico number), Persons with impaired hearlns can caill-800-342-2397, In addition, you may JeCClve another notice from the lender under Act 6 of 1974, That notice Is called a "Notice of Intention to Foreclose". You must read both notice3 since they both explain rights that you now have under PeMsylvanla law. However, if you choose to exercise your rights described in this notice, you cannot be foreclosed u n while you are JeCClvinll that assistance. JFOljw cc: Mark HalbraDcr, Eaqulre FIRST CLASS MAIL, POSTAOE PREPAID TillS IS AN ATIEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINEO WILL BE USED FOR 1lIA T pURPOSE .~ j , ~... " ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE The Commonwealth of Pennsylvania's Homeowner's Emergency Mortgage Assistance Program may be able to help you. Read the attached notice to find out how the program works. . . - -- -... If you need more information call the Pennsylvania Housing Finance Agency at 1(800)341-2397 LA NOTIFICACION ENADJUNTO IS DE SUM.A IMPORTANCIA. PUES AnCfA SU DERECIlO A CONTINUAR VlVlENDO'EN SU CASA. SI NO COMPRENDE ELCONTENIDO DE ESTA NO'lMCAClON OBTENGA UNA TRADUCCION-lNMEDIATAMENTE LLAMANDO ESTA AGENCIA (pENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PVEDIS SER ELEGmLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALV AR SU CASA DE LA PERDWA DEL DERECBO A REDIMIR SU HIPOTECA. I' \;i,.j GlU:l"liN & "UUile, t'.~. ATIONIIYlAT 1.\" O/llOATn'AYCIlITD NI/lI war P11T11U1lOM, I'oINSY\.YAIlL\ 1S2U (412)UI.16SO .AX (4I2)UI''''' !MAD.. uttIW.,._..u ... October 29,1997 Craig Turner, Execulor of the Estate of Kalhryn E. Zlnk . R.R.III, Bolt 193 Elllotabura. PA 17024 Re: Nollce oflntentlon 10 Foreclose Mortaaae; Menon Bank, N.A. Account No, 040704- 895j Note dated June 12, 1995j Kalhryn B. ZInk DelIt Mr. Turner: The MORTGAGE held by t-fellon Bank. N.A. (hereinafter "the LeDder") on your property located at!ll6lJMn.III Avenue. 1.en\IlYM. PelU1!\Ylvanla 17043 IS IN SERIOUS DEFAULT becall,"" you have not ~~;be ~nthlY ~menls of $599.00 .....h for the monlhl of F~ 3_ 1997 Ihmulb October 3. 1997. Late chvaea have have also eccrucd 10 this dale In tho amount of~, The total amount required to cure lhis default IS or the date oflhilletter Is $5.451.00. ~ n;: :~th~.ult wlthln nnRTY (3Q) DAYS oethe dAte oelhl8letter. by plIYl,. to the I t ofS5.4S 1.00. plus any Mdl&n.l ".......w. .....""11 ~ fiI11 "'If! """" ,hll period. Such payment must be made either by cub, caahler'1 cbock, cmiftcd cbeck or mooey order, and made at Million RIlnk. N.A.. CO....~ A4j,.idml!ft1 RMn~ Dlvl.w. Two MI!lIon A...Jr C'_. born AR.~ PItnh>qlt. pHl"",IVllnl. 15259: Att-w.. ~ ~ .. ' . : lryou do not cure the def.ult within llURTY (30) DAYS ~.-as"....1I!Ilda to flY.,m1ll1tll · ".....1lI __1_.. thill-.... ~... aubjoct to 111'I edd1tlOlll1 rl&bU JOIlIIII7 have UDCIeir ~ Homcowoen' J!mer&cocY Morf&t&e AJS\slIDCO Proa1I1D. ThlIIDeIIlI tbI& "t . * Is owIIII 011'" orfaInalltDOUllt boI1'owcd will be coDSldered due lMmM\atcly IIIIS you IIIIJ 1010 die eI-et to ,., otrtho oriJbW mortpp In tIIOtIlhly It1J\all.-nts, 11 ftI11 paymG or-.1IDO'tD In cSo&uIt II DOt made within nmt.TY (30) DA VB, tbaI, aubjeot to rII'1 tIIWltIoaIJ ~ Homcowoen' EmetpDl:y Mocf&I&O AJsIstmco Prot;lllllo , " '.' - . - -. ~~~';;:v III eoreclose your mortl.'!: = .~ .' ., wJll be Mid ~ thill SIwlff=:;:.ttM =:t.. You wIU have die, rieJI& to uscrt In IIr/ CorecIoIure proceedl", tho DOn~ ot. .,~ ...~~,,... ~ may have to acc:elendon or foroc\osunl. lftho Leodef reten your _ to (. att~* ~ cUre tba def.ult before they bealn leaal proceedlna.. you wllllllll have 10 pay tho .reuOaIbIe. attOmey's fees, llCtUI1ly Incurred. up to $50.00, In order to cure the default. However, if IepI poceedlnp Il'CI started, In order to cure the def.ult you will have to IllY the reasonable attomey's fees, ICCUIlly incurred, even if~~'~ o,er 550.00, and you lIlay also be roql . tu pay the Lenders rCll5ull.lble coslS, Jf you cure .. ,,'aull 110 lthln the thlrty-d~ period, you will 1101 hll reqlllred to pay IIttomey'. Cw. If you have not cured the default within the thlrty-day period and foreclosure procecdlnp have beSun. you_~tll! hllve the right 10 cure the default and prevent t!ul saljlllll\Y tIme IlP to Ollllll boI. hefore the S~rilf~ .!9~10~~ sAlll. You ItI4Y do so Il)' ~ina the IoIaI amount of overdue paynlt!ftb plus an)' late or other clJ,Brid the~d~~;";;;1I as the i-WOIIBblllllllOll\fJYI' feel and costs co,,~ed w11h the foreclosure sale, and performing any other requirements under the morlaaae. It Is cstInIatcd that the earliest date !hat such a Sherlll's sale could be held WQuld be approximately March. 1.921. A notice of the date of the Sherill's sale 110;11 be scnt to you before the sale. Of course, the wnounl nceded to cure lhc dcfault willlncreasc the longer you wail. Vou may find oulllt any time exaclly what the requlrcd payment will be by calling !he Lender al!he following number: Scott Pidro (412) 234-1689. TIus payment must be in cash, cashiel's cbeck, certified check or money order and must be made payable to the Lender at the Lender's addms stated above. You should realize that. Sbcrlfl's sale will end your owncnhlp oftbc mortpaed property and your right to remain in It. If you continuc to live In the property after the Shcrift's saIe,. lawsuit could be started to evict you. You have additional riplS to help protect your interest in the property. YOU HA VB mE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF TIlE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOmER LENDING INSTlTImON TO PAYOFF nus DEBT. CONTACT TIlE LENDER TO DETERMINE WHErnER OR NOT A BUYER OF TRANSFEREE MAY BE ALLOWED TO ASSUME TIlE MORTOAOE DEBT; YOU HA VB THE RIOHT TO HA VB nus DEPAUL T CURED BY ANY THIRD PARTY ACl1NO ON YOUR BEHALF. YOU MAY ALSO HA VB ADDITIONAL RIGHTS UNDER mE HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM IF YOU RECEIVE A SEPARATE NOTICE ABOUT TIlA T PROGRAM. If you cure the default. you will have the right \0 pay off the IlIan in monthly 1n.'IlAllments as If no del1mh Iwt owl11'l'Jfl However, you are not entitled \0 this ript to c:urc your default more than IJIR,c t1meI in any caleodar~, Ve i JFOJjw c:c: Mark Halbraner, Esqube CERTIFIED MAIL, RETURN RECEIPT REQUESTED AND FIRST CLASS MAIL, POSTAGE PREPAID THIS IS AN ATrnMPT TO COLLECT A DEBT, AND ANY INFORMATION OBr AINED WILL BE USED FOR THAT PURPOSE ~/ GIlENllN " DlJtlllC, P,C, ...1TOIHIY....T .....W 1M Cl.\ m...y CI/fT1I 1111II WIlT PlTTIlIUIllIIo PIlOlIl\.Y,uM Ism (412)2It."" PAX (4\2)211'74S1 IlMAJL Jl11lhlnIIknd1 ,nil October 29, 1997 Ronald Tumer, Executor oCthe Eslate of Kathryn E. Zink R.R. Nl, Box 193 El\lolabur&. P A 17024 Rc: Noliceoflntenlion to Forecll>>Cl Mortgage; MelillO Bank, N.A. Account No. 0407()4. 895; Note dated June 12, 1995; Kathryn E. ZInk Dear Mr. Turner: The MORTGAGE held by Mellon Bank. N.A. (hereinafter "the Lender") on your property located at ~ "M1W\ AW!l\\IC! ~moyne. p~~~~l. 17043 IS IN SERJOUS DEFAULT .......JlI_ .. you have not~tb1y..~@ ~l~~22.00 eACh for the months ofFe~ 3. 1997 through OctDber 3, 1m. Latc cbaraes have have also acaued to this date in tho emount of S6Q.QQ, The to\el amount required to cure this default as of tho date of this letter Is S~,4SI.00, . lIltbel;~"::::~:::~::;.Z~~.~;~~::.~~~m:~h~~-:= thl. ptdod. Such po.ymeot must be made cltbcr by cash, cuhia'a chock, certifl.ed cbcck or mooey order,- madulP-tlpot ~lt.!,,_~u~~ AcijllolnV'Jtt RIlM~ nIWInn. Two MelI.oI\.8IIlk. , ('.alter. RnQpl AB-~,.!!!!m\IIIDo ~I""'" I '~9! Att"""-' MMlt PIdm. , . . IfyOll cAo IIOt cure tho default witbln nDRTY (30) DAYS the 1-"'" Intf!ndA to exerelll! its right to _lende tIIIll-'9 pnments,1Ub)od to any IddItioIIIl riabU YOllIllll)' have unci<< die HomeoWDCCl' 1!4Iaa-Y MOItp&O Assl'-" PIoptIlI. ThIs meaN tbII v.1lIIc\W II owIna OIllbo orI&iD1llDlOlllll budowod will be COOIlc1cre4 duo lnt.......lately aod you may loIo die ('MnM to pay off tho orIp.l JDOct&II' In mootblJ ~ If full pll,YIDOIll of... ~Ia..... II DOt made within THD\TY (30) DAYS, dIeo. ~ to aoy ~ ria1*JW_"~,'" Homeownen' Emer&ebC)' Mort&lic "...1....- Propam. i!Ie f.Mder ~ .I~ lIi*Illillts ~ to otart. . t.wmIt tll_.~?_IM1l. .yo~_;:;;;~"" pnlpertY. If the mnrtll~e Is ..&vecl..-t your !!!!ll1P1!!!!~~~JI):.Ji1III SWlI'to ~ oft'the -.,....... YOlJwlIJM~ tbe~ to I8ICIt In tA'J forecloluro ~ the \IOG-exlstCnce or. deflult or IllY ...... tbIl you may have to ICCCIerIdon or forecl()I\W. Iflbo Leoder refers your ClIO to III ~ 1M you ewe tho default before they bc&ln leaal procccdinp. you will sliU have to pay the reuonable attomey'. fees. actually incwm!, up to S50.oo, In order 10 cure tho default, HOwevcf, If Iepl proceedlnpue started, In order to c:ure the default you will have to pay the reasonable a\tomey's fees, actually Incurred, even If they ~ver $50.00, aOd you may allO be reqUI...,1O pay the Lende~s reasonable costS. I(You cure the default with\>> lhe th~.dIIy period. you will not be reqlIlred 10 Il'Y .ltom~ rs.. If you have not cured the default within the tl)\rty-day period and foreclosure proceed\nal have besun. Yjlu dill have the riaht ID cure the clef_lilt IlIId.preVflI\t the u,lu\1D): lhDA.l.lPJoJHl4hlllK ~:-.;,.fj'::~:,;::.:;::..';~~=':== ~lhJhe foreclosure sale, and perfonnlllg any other requirements under tho mortpae. It Is estimated thaI the earliest date thai such a Sherlll's sale could be held would be approKlmalely ~arch. 1991. A notice of the date of the Sheriffs sale will be senllo you before the sale. Of course. lhe amount needed to cure the defllult y.illlncrease the longer )'OU walt. You may find oul al any time exactly what the required payment will be by calling the Lender III the fotlowl"g number: Scott Pldro (412) ~34-16aC}. ThIs payment must be in cash. casbie~s check, certified check or money order and must be anade payable to tho Lender at tho Leoda's address stated above. Yeu should realize that . Sheriffs 8110 will cod your .,wncnhlp or tho JJlI)rtp&ed property and your right to remain In It. lCyou contlnllC to live in \be propertY after the Sberift'1 sale, a lawsuit could be started to evict you. You have additional rights to help protect your inlerest in the property. YOU HA VB TIlE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF TIlE MORTGAGe DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. CONTAcr THE LENDER TO DETERMlNB WHETHER OR NOT A BUYER OF TRANSFEREE MAYBE ALLOWED TO ASSUME TIlE MORTGAGE DEBT, YOU HA VB nmRlGHTTOHAVBTIUS DEFAULT CURED BY ANYnuRDPARTY ACTlNOON YOUR BEHALF. YOU MAY ALSO HA VB ADDITIONAL RIGHTS UNDER mE HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROORAM IF YOU RECEIVE A SEPARATE NOTICE ABOUT 1lIAT PROORAM, Ifynu C':Uftl the defaulL you will have the nabt ID 1Jl\Y off the lnao 10 monthly In!d.allmentl. ifno derwtt hAd _1mIlIl. However. you Il'O DOt entitled to thb rI~ to cure your defitult JUOre tbIIl tbrec times In any calendar yar, WG~w"'-'-------- cc: Mark Halbraner, Esquire CERTIFIED MAIL. RETURN REeElPT REQUESTED AND FIRST CLASS MAlL. POSTAGE PREPAID THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR 1lIAT pURPOSE ,I ., , , -",H 1 b. (.: ~'I~ I~n r~l :' ~ f" 'i,) u.1 ~-_: . ,. ,",-) .~ .1~. \': ~ ':'''_: ::j' ~ .\.,', ....1; nt. ", .' 1 " , , l I' t::) I) , ';'1' ~ ,,~ ] ~"< , ["" .,.-. Ir~ rb I." " I-t r.~ - 1+"'_ ~ ~-' I ;\.:. l~~ It ~! .:, ~~ ,.S CJ C1' <:..l " " ., " !', i' , L' I' . . . .' ,'1 I' , (